Cis Financial Services, Inc. Mortgage Lending & HMDA Data, 2013
In 2013, Cis Financial Services, Inc. of Hamilton, AL reported 3,555 mortgage applications totaling $654.3 million, up 90% from 2012. The average application was for $184,049, and applicants reported an average income of $51,741. 10% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (330), Riverside-San Bernardino-Ontario, CA (239) and Santa Ana-Anaheim-Irvine, CA (173) (applications in parentheses).
| Mortgage Company & Address | Cis Financial Services, Inc. 851 Military Street N Hamilton, AL 35570 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 |
| Total Number of Mortgage Applications | 3,555 |
| Total Mortgage Loan Application Amount | $654,295,000 |
| Average Mortgage Loan Application Amount | $184,049 |
| Highest Mortgage Loan Application Amount | $830,000 |
| Average Applicant Income | $51,741 |
| Highest Applicant Income | $696,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Cis Financial Services, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 330 | $ 94,299,000 | $ 285,754 | $ 88,000 |
| Riverside-San Bernardino-Ontario, CA | 239 | $ 48,017,000 | $ 200,907 | $ 45,000 |
| Santa Ana-Anaheim-Irvine, CA | 173 | $ 51,537,000 | $ 297,901 | $ 107,000 |
| Atlanta-Sandy Springs-Marietta, GA | 164 | $ 26,307,000 | $ 160,408 | $ 28,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 149 | $ 40,509,000 | $ 271,872 | $ 44,503 |
| Alexandria, LA | 94 | $ 14,357,000 | $ 152,734 | $ 68,000 |
| Baltimore-Towson, MD | 81 | $ 18,422,000 | $ 227,432 | $ 15,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 49 | $ 9,827,000 | $ 200,551 | $ 7,836 |
| San Diego-Carlsbad-San Marcos, CA | 48 | $ 13,869,000 | $ 288,937 | $ 75,000 |
| Birmingham-Hoover, AL | 47 | $ 5,044,000 | $ 107,319 | $ 52,000 |
| Louisville/Jefferson County, KY-IN | 44 | $ 5,640,000 | $ 128,181 | $ 42,750 |
| Richmond, VA | 44 | $ 7,824,000 | $ 177,818 | $ 2,000 |
| Charlotte-Gastonia-Rock Hill, NC-SC | 43 | $ 6,724,000 | $ 156,372 | $ 11,162 |
| Elizabethtown, KY | 32 | $ 3,890,000 | $ 121,562 | $ 55,000 |
| Oakland-Fremont-Hayward, CA | 30 | $ 7,462,000 | $ 248,733 | $ 59,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 30 | $ 5,941,000 | $ 198,033 | $ 59,000 |
| Dallas-Plano-Irving, TX | 25 | $ 4,536,000 | $ 181,440 | $ 55,000 |
| Fort Worth-Arlington, TX | 25 | $ 3,885,000 | $ 155,400 | $ 35,000 |
| New Orleans-Metairie-Kenner, LA | 25 | $ 3,657,000 | $ 146,280 | $ 53,000 |
| Bethesda-Rockville-Frederick, MD | 22 | $ 5,835,000 | $ 265,227 | $ 29,000 |
| Stockton, CA | 22 | $ 3,438,000 | $ 156,272 | $ 19,000 |
| Denver-Aurora-Broomfield, CO | 21 | $ 4,243,000 | $ 202,047 | $ 32,000 |
| Raleigh-Cary, NC | 19 | $ 2,825,000 | $ 148,684 | $ 18,000 |
| Seattle-Bellevue-Everett, WA | 19 | $ 5,432,000 | $ 285,894 | $ 49,000 |
| Colorado Springs, CO | 17 | $ 3,683,000 | $ 216,647 | $ 43,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 17 | $ 4,954,000 | $ 291,411 | $ 147,000 |
| Cincinnati-Middletown, OH-KY-IN | 16 | $ 2,196,000 | $ 137,250 | $ 55,187 |
| Houston-Sugar Land-Baytown, TX | 16 | $ 2,439,000 | $ 152,437 | $ 46,000 |
| Lafayette, LA | 16 | $ 2,244,000 | $ 140,250 | $ 62,000 |
| Macon, GA | 16 | $ 1,585,000 | $ 99,062 | $ 33,000 |
| Baton Rouge, LA | 15 | $ 2,214,000 | $ 147,600 | $ 65,000 |
| Greensboro-High Point, NC | 15 | $ 2,000,000 | $ 133,333 | $ 14,000 |
| Houma-Bayou Cane-Thibodaux, LA | 15 | $ 2,260,000 | $ 150,666 | $ 78,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 14 | $ 4,372,000 | $ 312,285 | $ 81,000 |
| San Antonio-New Braunfels, TX | 14 | $ 1,795,000 | $ 128,214 | $ 117,000 |
| Tampa-St. Petersburg-Clearwater, FL | 14 | $ 1,635,000 | $ 116,785 | $ 34,000 |
| Columbus, GA-AL | 13 | $ 1,811,000 | $ 139,307 | $ 52,615 |
| Memphis, TN-MS-AR | 13 | $ 1,646,000 | $ 126,615 | $ 34,000 |
| Newark-Union, NJ-PA | 13 | $ 3,971,000 | $ 305,461 | $ 23,076 |
| Philadelphia, PA | 13 | $ 2,963,000 | $ 227,923 | $ 19,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 13 | $ 2,387,000 | $ 183,615 | $ 81,615 |
| Asheville, NC | 12 | $ 1,887,000 | $ 157,250 | $ 37,000 |
| Camden, NJ | 12 | $ 2,365,000 | $ 197,083 | $ 0 |
| Chicago-Joliet-Naperville, IL | 12 | $ 2,480,000 | $ 206,666 | $ 40,000 |
| Huntsville, AL | 12 | $ 1,537,000 | $ 128,083 | $ 67,000 |
| Monroe, LA | 12 | $ 1,505,000 | $ 125,416 | $ 53,000 |
| Fayetteville, NC | 11 | $ 1,741,000 | $ 158,272 | $ 11,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 11 | $ 1,545,000 | $ 140,454 | $ 55,000 |
| Indianapolis-Carmel, IN | 11 | $ 1,413,000 | $ 128,454 | $ 29,000 |
| Montgomery, AL | 11 | $ 1,370,000 | $ 124,545 | $ 48,000 |
| Orlando-Kissimmee-Sanford, FL | 11 | $ 1,817,000 | $ 165,181 | $ 19,000 |
| Austin-Round Rock-San Marcos, TX | 10 | $ 1,912,000 | $ 191,200 | $ 69,000 |
| Bakersfield-Delano, CA | 10 | $ 1,804,000 | $ 180,400 | $ 55,000 |
| Charleston, WV | 10 | $ 1,112,000 | $ 111,200 | $ 56,000 |
| Fort Smith, AR-OK | 10 | $ 929,000 | $ 92,900 | $ 51,500 |
| Jacksonville, FL | 10 | $ 1,268,000 | $ 126,800 | $ 40,000 |
| Shreveport-Bossier City, LA | 10 | $ 1,139,000 | $ 113,900 | $ 46,000 |
| Grand Junction, CO | 9 | $ 1,991,000 | $ 221,222 | $ 40,000 |
| Hartford-West Hartford-East Hartford, CT | 9 | $ 1,610,000 | $ 178,888 | $ 10,000 |
| Savannah, GA | 9 | $ 1,355,000 | $ 150,555 | $ 63,000 |
| Vallejo-Fairfield, CA | 9 | $ 1,709,000 | $ 189,888 | $ 31,000 |
| Anniston-Oxford, AL | 8 | $ 1,169,000 | $ 146,125 | $ 90,000 |
| Greenville, NC | 8 | $ 834,000 | $ 104,250 | $ 29,000 |
| Lynchburg, VA | 8 | $ 1,101,000 | $ 137,625 | $ 38,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 1,152,000 | $ 144,000 | $ 28,000 |
| Tacoma, WA | 8 | $ 1,693,000 | $ 211,625 | $ 0 |
| Winston-Salem, NC | 8 | $ 1,172,000 | $ 146,500 | $ 21,000 |
| Charleston-North Charleston-Summerville, SC | 7 | $ 1,060,000 | $ 151,428 | $ 16,000 |
| Edison-New Brunswick, NJ | 7 | $ 1,841,000 | $ 263,000 | $ 44,000 |
| El Centro, CA | 7 | $ 1,431,000 | $ 204,428 | $ 11,000 |
| Fresno, CA | 7 | $ 1,126,000 | $ 160,857 | $ 31,000 |
| Grand Rapids-Wyoming, MI | 7 | $ 731,000 | $ 104,428 | $ 42,000 |
| Hickory-Lenoir-Morganton, NC | 7 | $ 955,000 | $ 136,428 | $ 7,000 |
| Hinesville-Fort Stewart, GA | 7 | $ 771,000 | $ 110,142 | $ 43,000 |
| Jacksonville, NC | 7 | $ 1,207,000 | $ 172,428 | $ 0 |
| Modesto, CA | 7 | $ 1,018,000 | $ 145,428 | $ 48,000 |
| Salinas, CA | 7 | $ 1,212,000 | $ 173,142 | $ 30,000 |
| San Francisco-San Mateo-Redwood City, CA | 7 | $ 2,768,000 | $ 395,428 | $ 105,000 |
| Topeka, KS | 7 | $ 1,018,000 | $ 145,428 | $ 56,000 |
| Tulsa, OK | 7 | $ 1,303,000 | $ 186,142 | $ 77,000 |
| Tuscaloosa, AL | 7 | $ 770,000 | $ 110,000 | $ 78,000 |
| Visalia-Porterville, CA | 7 | $ 1,030,000 | $ 147,142 | $ 56,000 |
| Athens-Clarke County, GA | 6 | $ 761,000 | $ 126,833 | $ 42,000 |
| Augusta-Richmond County, GA-SC | 6 | $ 683,000 | $ 113,833 | $ 23,333 |
| Durham-Chapel Hill, NC | 6 | $ 1,061,000 | $ 176,833 | $ 41,000 |
| Oklahoma City, OK | 6 | $ 799,000 | $ 133,166 | $ 24,000 |
| Phoenix-Mesa-Glendale, AZ | 6 | $ 1,658,000 | $ 276,333 | $ 156,000 |
| Pittsburgh, PA | 6 | $ 1,079,000 | $ 179,833 | $ 27,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 5 | $ 895,000 | $ 179,000 | $ 0 |
| Chattanooga, TN-GA | 5 | $ 903,000 | $ 180,600 | $ 46,000 |
| Greenville-Mauldin-Easley, SC | 5 | $ 642,000 | $ 128,400 | $ 60,000 |
| Merced, CA | 5 | $ 841,000 | $ 168,200 | $ 0 |
| New Haven-Milford, CT | 5 | $ 1,115,000 | $ 223,000 | $ 0 |
| Roanoke, VA | 5 | $ 721,000 | $ 144,200 | $ 0 |
| San Luis Obispo-Paso Robles, CA | 5 | $ 1,283,000 | $ 256,600 | $ 118,000 |
| Spokane, WA | 5 | $ 849,000 | $ 169,800 | $ 0 |
| Warner Robins, GA | 5 | $ 448,000 | $ 89,600 | $ 41,000 |
| Warren-Troy-Farmington Hills, MI | 5 | $ 902,000 | $ 180,400 | $ 99,000 |
| Wilmington, DE-MD-NJ | 5 | $ 934,000 | $ 186,800 | $ 0 |
| Anderson, SC | 4 | $ 450,000 | $ 112,500 | $ 109,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 386,000 | $ 96,500 | $ 35,000 |
| Columbia, SC | 4 | $ 534,000 | $ 133,500 | $ 23,000 |
| Columbus, OH | 4 | $ 789,000 | $ 197,250 | $ 30,000 |
| Dayton, OH | 4 | $ 466,000 | $ 116,500 | $ 50,000 |
| Dothan, AL | 4 | $ 469,000 | $ 117,250 | $ 56,000 |
| Evansville, IN-KY | 4 | $ 688,000 | $ 172,000 | $ 39,000 |
| Farmington, NM | 4 | $ 468,000 | $ 117,000 | $ 33,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 649,000 | $ 162,250 | $ 28,000 |
| Gulfport-Biloxi, MS | 4 | $ 628,000 | $ 157,000 | $ 87,000 |
| Kansas City, MO-KS | 4 | $ 739,000 | $ 184,750 | $ 0 |
| Lakeland-Winter Haven, FL | 4 | $ 478,000 | $ 119,500 | $ 28,000 |
| Little Rock-North Little Rock-Conway, AR | 4 | $ 516,000 | $ 129,000 | $ 21,000 |
| Miami-Miami Beach-Kendall, FL | 4 | $ 858,000 | $ 214,500 | $ 75,000 |
| Milwaukee-Waukesha-West Allis, WI | 4 | $ 722,000 | $ 180,500 | $ 40,000 |
| Mobile, AL | 4 | $ 507,000 | $ 126,750 | $ 61,000 |
| New York-White Plains-Wayne, NY-NJ | 4 | $ 1,569,000 | $ 392,250 | $ 37,000 |
| Ogden-Clearfield, UT | 4 | $ 1,058,000 | $ 264,500 | $ 108,000 |
| Peabody, MA | 4 | $ 1,169,000 | $ 292,250 | $ 79,000 |
| Santa Rosa-Petaluma, CA | 4 | $ 1,057,000 | $ 264,250 | $ 123,000 |
| Valdosta, GA | 4 | $ 405,000 | $ 101,250 | $ 35,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 521,000 | $ 130,250 | $ 35,000 |
| Winchester, VA-WV | 4 | $ 939,000 | $ 234,750 | $ 0 |
| Albany, GA | 3 | $ 337,000 | $ 112,333 | $ 55,000 |
| Atlantic City-Hammonton, NJ | 3 | $ 548,000 | $ 182,666 | $ 0 |
| Burlington, NC | 3 | $ 501,000 | $ 167,000 | $ 0 |
| Cumberland, MD-WV | 3 | $ 492,000 | $ 164,000 | $ 39,000 |
| Dalton, GA | 3 | $ 426,000 | $ 142,000 | $ 14,000 |
| Greeley, CO | 3 | $ 349,000 | $ 116,333 | $ 10,000 |
| Kingsport-Bristol-Bristol, TN-VA | 3 | $ 407,000 | $ 135,666 | $ 0 |
| Longview, TX | 3 | $ 659,000 | $ 219,666 | $ 107,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 3 | $ 816,000 | $ 272,000 | $ 124,000 |
| Napa, CA | 3 | $ 1,059,000 | $ 353,000 | $ 190,000 |
| Norwich-New London, CT | 3 | $ 456,000 | $ 152,000 | $ 12,000 |
| Olympia, WA | 3 | $ 547,000 | $ 182,333 | $ 0 |
| Palm Bay-Melbourne-Titusville, FL | 3 | $ 249,000 | $ 83,000 | $ 48,000 |
| Pascagoula, MS | 3 | $ 303,000 | $ 101,000 | $ 50,000 |
| Port St. Lucie, FL | 3 | $ 545,000 | $ 181,666 | $ 44,000 |
| Redding, CA | 3 | $ 506,000 | $ 168,666 | $ 22,000 |
| Rocky Mount, NC | 3 | $ 461,000 | $ 153,666 | $ 20,000 |
| Toledo, OH | 3 | $ 359,000 | $ 119,666 | $ 40,000 |
| Yakima, WA | 3 | $ 417,000 | $ 139,000 | $ 48,000 |
| Yuba City, CA | 3 | $ 484,000 | $ 161,333 | $ 34,000 |
| Abilene, TX | 2 | $ 386,000 | $ 193,000 | $ 27,000 |
| Anchorage, AK | 2 | $ 490,000 | $ 245,000 | $ 31,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 263,000 | $ 131,500 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 2 | $ 457,000 | $ 228,500 | $ 33,000 |
| Chico, CA | 2 | $ 275,000 | $ 137,500 | $ 20,000 |
| Danville, VA | 2 | $ 198,000 | $ 99,000 | $ 20,000 |
| El Paso, TX | 2 | $ 615,000 | $ 307,500 | $ 83,000 |
| Gainesville, FL | 2 | $ 159,000 | $ 79,500 | $ 50,000 |
| Gainesville, GA | 2 | $ 230,000 | $ 115,000 | $ 48,000 |
| Gary, IN | 2 | $ 470,000 | $ 235,000 | $ 0 |
| Hagerstown-Martinsburg, MD-WV | 2 | $ 366,000 | $ 183,000 | $ 27,000 |
| Hanford-Corcoran, CA | 2 | $ 306,000 | $ 153,000 | $ 23,000 |
| Harrisburg-Carlisle, PA | 2 | $ 287,000 | $ 143,500 | $ 37,000 |
| Harrisonburg, VA | 2 | $ 325,000 | $ 162,500 | $ 0 |
| Hot Springs, AR | 2 | $ 126,000 | $ 63,000 | $ 31,000 |
| Kennewick-Pasco-Richland, WA | 2 | $ 277,000 | $ 138,500 | $ 0 |
| Knoxville, TN | 2 | $ 209,000 | $ 104,500 | $ 26,000 |
| Lake Charles, LA | 2 | $ 200,000 | $ 100,000 | $ 69,000 |
| Lawrence, KS | 2 | $ 272,000 | $ 136,000 | $ 75,000 |
| Madera-Chowchilla, CA | 2 | $ 287,000 | $ 143,500 | $ 37,000 |
| Morgantown, WV | 2 | $ 234,000 | $ 117,000 | $ 25,000 |
| Morristown, TN | 2 | $ 316,000 | $ 158,000 | $ 0 |
| Muskegon-Norton Shores, MI | 2 | $ 277,000 | $ 138,500 | $ 19,000 |
| Nassau-Suffolk, NY | 2 | $ 887,000 | $ 443,500 | $ 148,000 |
| Ocala, FL | 2 | $ 183,000 | $ 91,500 | $ 9,000 |
| Punta Gorda, FL | 2 | $ 335,000 | $ 167,500 | $ 74,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 410,000 | $ 205,000 | $ 27,000 |
| Spartanburg, SC | 2 | $ 258,000 | $ 129,000 | $ 18,000 |
| Tallahassee, FL | 2 | $ 253,000 | $ 126,500 | $ 26,000 |
| Tyler, TX | 2 | $ 479,000 | $ 239,500 | $ 86,000 |
| Wichita, KS | 2 | $ 213,000 | $ 106,500 | $ 71,000 |
| Wilmington, NC | 2 | $ 309,000 | $ 154,500 | $ 0 |
| Akron, OH | 1 | $ 157,000 | $ 157,000 | $ 0 |
| Albuquerque, NM | 1 | $ 174,000 | $ 174,000 | $ 0 |
| Altoona, PA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Amarillo, TX | 1 | $ 105,000 | $ 105,000 | $ 71,000 |
| Battle Creek, MI | 1 | $ 80,000 | $ 80,000 | $ 45,000 |
| Beaumont-Port Arthur, TX | 1 | $ 142,000 | $ 142,000 | $ 102,000 |
| Boston-Quincy, MA | 1 | $ 147,000 | $ 147,000 | $ 59,000 |
| Boulder, CO | 1 | $ 144,000 | $ 144,000 | $ 35,000 |
| Brownsville-Harlingen, TX | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Brunswick, GA | 1 | $ 98,000 | $ 98,000 | $ 41,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 358,000 | $ 358,000 | $ 88,000 |
| Champaign-Urbana, IL | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Charlottesville, VA | 1 | $ 188,000 | $ 188,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 209,000 | $ 209,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Decatur, AL | 1 | $ 84,000 | $ 84,000 | $ 93,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 188,000 | $ 188,000 | $ 46,000 |
| Dover, DE | 1 | $ 194,000 | $ 194,000 | $ 0 |
| Eau Claire, WI | 1 | $ 122,000 | $ 122,000 | $ 69,000 |
| Elkhart-Goshen, IN | 1 | $ 245,000 | $ 245,000 | $ 78,000 |
| Eugene-Springfield, OR | 1 | $ 247,000 | $ 247,000 | $ 49,000 |
| Fargo, ND-MN | 1 | $ 98,000 | $ 98,000 | $ 30,000 |
| Florence, SC | 1 | $ 102,000 | $ 102,000 | $ 48,000 |
| Florence-Muscle Shoals, AL | 1 | $ 78,000 | $ 78,000 | $ 62,000 |
| Fort Collins-Loveland, CO | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Fort Wayne, IN | 1 | $ 256,000 | $ 256,000 | $ 77,000 |
| Gadsden, AL | 1 | $ 106,000 | $ 106,000 | $ 38,000 |
| Goldsboro, NC | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Hattiesburg, MS | 1 | $ 102,000 | $ 102,000 | $ 104,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 113,000 | $ 113,000 | $ 36,000 |
| Jackson, MS | 1 | $ 183,000 | $ 183,000 | $ 0 |
| Jackson, TN | 1 | $ 134,000 | $ 134,000 | $ 109,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 384,000 | $ 384,000 | $ 104,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 128,000 | $ 128,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 170,000 | $ 170,000 | $ 255,000 |
| Lansing-East Lansing, MI | 1 | $ 116,000 | $ 116,000 | $ 66,000 |
| Laredo, TX | 1 | $ 256,000 | $ 256,000 | $ 124,000 |
| Las Vegas-Paradise, NV | 1 | $ 182,000 | $ 182,000 | $ 0 |
| Lexington-Fayette, KY | 1 | $ 260,000 | $ 260,000 | $ 84,000 |
| Longview, WA | 1 | $ 107,000 | $ 107,000 | $ 0 |
| McAllen-Edinburg-Mission, TX | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 183,000 | $ 183,000 | $ 41,000 |
| Myrtle Beach-North Myrtle Beach-Conway, SC | 1 | $ 214,000 | $ 214,000 | $ 0 |
| North Port-Bradenton-Sarasota, FL | 1 | $ 172,000 | $ 172,000 | $ 0 |
| Ocean City, NJ | 1 | $ 202,000 | $ 202,000 | $ 180,000 |
| Omaha-Council Bluffs, NE-IA | 1 | $ 127,000 | $ 127,000 | $ 0 |
| Panama City-Lynn Haven-Panama City Beach, FL | 1 | $ 133,000 | $ 133,000 | $ 0 |
| Peoria, IL | 1 | $ 107,000 | $ 107,000 | $ 67,000 |
| Pine Bluff, AR | 1 | $ 132,000 | $ 132,000 | $ 61,000 |
| Providence-New Bedford-Fall River, RI-MA | 1 | $ 195,000 | $ 195,000 | $ 50,000 |
| Provo-Orem, UT | 1 | $ 216,000 | $ 216,000 | $ 49,000 |
| Pueblo, CO | 1 | $ 109,000 | $ 109,000 | $ 0 |
| Rockford, IL | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Rome, GA | 1 | $ 151,000 | $ 151,000 | $ 0 |
| Salisbury, MD | 1 | $ 214,000 | $ 214,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 351,000 | $ 351,000 | $ 0 |
| San Angelo, TX | 1 | $ 91,000 | $ 91,000 | $ 115,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 140,000 | $ 140,000 | $ 40,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Springfield, OH | 1 | $ 123,000 | $ 123,000 | $ 77,000 |
| Sumter, SC | 1 | $ 172,000 | $ 172,000 | $ 68,000 |
| Texarkana, Tx-Texarkana, AR | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Trenton-Ewing, NJ | 1 | $ 313,000 | $ 313,000 | $ 0 |
| Waco, TX | 1 | $ 75,000 | $ 75,000 | $ 54,000 |
| Wenatchee-East Wenatchee, WA | 1 | $ 184,000 | $ 184,000 | $ 0 |
| Worcester, MA | 1 | $ 66,000 | $ 66,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Cis Financial Services, Inc. in 2013
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 2,009 | $400,664,000 | $199,000 | $830,000 | $40,000 | $550,000 |
| Home Purchase | 1,546 | $253,631,000 | $164,000 | $743,000 | $67,000 | $696,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,894 | $300,573,000 | $158,000 | $830,000 | $57,000 | $608,000 |
| Not Provided | 628 | $118,053,000 | $187,000 | $685,000 | $19,000 | $313,000 |
| Asian | 470 | $131,321,000 | $279,000 | $743,000 | $95,000 | $696,000 |
| Black or African American | 343 | $56,237,000 | $163,000 | $533,000 | $28,000 | $237,000 |
| Hispanic | 198 | $42,686,000 | $215,000 | $417,000 | $44,000 | $252,000 |
| American Indian or Alaskan Native | 12 | $2,635,000 | $219,000 | $410,000 | $68,000 | $202,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $2,382,000 | $297,000 | $401,000 | $69,000 | $149,000 |
| Not applicable | 2 | $408,000 | $204,000 | $229,000 | $62,000 | $124,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 2,208 | $359,148,000 | $162,000 | $743,000 | $32,000 | $388,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,140 | $255,621,000 | $224,000 | $685,000 | $93,000 | $696,000 |
| VA-guaranteed (Veterans Administration) | 124 | $28,143,000 | $226,000 | $830,000 | $26,000 | $258,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 83 | $11,383,000 | $137,000 | $246,000 | $46,000 | $341,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 2,230 | $492,895,000 | $221,000 | $830,000 | $51,000 | $696,000 |
| Application Denied By Financial Institution | 506 | $56,644,000 | $111,000 | $252,000 | $52,000 | $388,000 |
| Loan Originated | 362 | $47,683,000 | $131,000 | $350,000 | $54,000 | $218,000 |
| Application Approved But Not Accepted | 340 | $42,568,000 | $125,000 | $735,000 | $54,000 | $254,000 |
| Application Withdrawn By Applicant | 113 | $14,202,000 | $125,000 | $392,000 | $64,000 | $300,000 |
| File Closed For Incompleteness | 4 | $303,000 | $75,000 | $103,000 | $44,000 | $61,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 3 | $388,000 | $129,000 | $157,000 | $44,000 | $57,000 |
| Debt-To-Income Ratio | 2 | $157,000 | $78,000 | $101,000 | $63,000 | $66,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Cis Financial Services, Inc.'s 2013 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Cis Financial Services, Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Alabama, download the full spreadsheet
with aggregated HMDA statistics today.
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